#1 Money Management App for Community Access Providers

Make payments for  community access services simple and secure with SpendAble

Easily manage payments for transport, groceries, and everyday activity in the community. Support staff can pay on behalf of clients with full oversight, while promoting financial confidence and reducing the admin burden for providers.
We're trusted by thousands, because we do what other money handling solutions can't
Ability First Australia Logo
Australian Unity LogoPossability LogoLifestyle Solutions Logo
Department of Human Services SA LogoNew Horizons Disability Services LogoLive Better Disability Services LogoCaringa Disability Services LogoSt Michaels Disability Services LogoInteraction Disability Services Logo
Features

Less time on admin, more time on community
access support

SpendAble makes it easy for staff to manage money, track spending during community outings, and make sure client funds are always used the right way. All this in one simple system that fits how you already deliver care.

Eliminate Admin

A green circle with white tick

Convert manual record keeping into a one-click process

A green circle with white tick

Upload receipts instantly for faster evidence collection

A green circle with white tick

Set spending rules that fit with activity types, staff roles, and budgets

Building capacity with the SpendAble system

Receipt Capture

A green circle with white tick

View receipts from every transaction made by staff

A green circle with white tick

Add receipt photos from both staff and clients for extra clarity

A green circle with white tick

Have confidence that client money is being spent in line with rules

Receipts and evidence on the SpendAble platform

Real Time Visibility

A green circle with white tick

See every transaction the moment it happens, with receipts and notes

A green circle with white tick

Experience one-click uploads keep families and providers updated without delay

A green circle with white tick

Get all the financial insight you need for compliance and reporting

Visibility of all spending information

Capacity Building

A green circle with white tick

Choose whether cash out is available  for different budgets

A green circle with white tick

Set time-based spending limits to manage access during scheduled activities

A green circle with white tick

Purpose-built technology that provides guardrails that set participants up for success

A support worker and participant holding SpendAble cards

We're trusted by thousands for community access payments,
but don’t just take our word for it

“SpendAble provides our clients with choice and control, all the information is updated in the app and it holds all of our proof of purchases.  It’s a pleasure using a product like SpendAble”
Mandy
Service Provider
“SpendAble is the best platform I have ever used to track my money. It helps me track what I spent, what the items I bought look like and keeps my support workers and I accountable for my spending. If you live with a disability, you won't regret giving SpendAble a go”
Pete
Participant
“Great team that truely care about empowering participants to manage their money. We recommend SpendAble to any provider looking to increase transparency, accountability and ease of money handling in the NDIS”
John
Service Provider
“My support workers can transact on my behalf without giving out my bank card or cash ever again. My life has completely changed with SpendAble”
Chris
Participant
“Highly recommend SpendAble, their product makes managing money simple - a well thought out product”
Jonathon
Provider
“SpendAble provides our clients with choice and control, all the information is updated in the app and it holds all of our proof of purchases.  It’s a pleasure using a product like SpendAble”
Mandy
Service Provider
“SpendAble is the best platform I have ever used to track my money. It helps me track what I spent, what the items I bought look like and keeps my support workers and I accountable for my spending. If you live with a disability, you won't regret giving SpendAble a go”
Pete
Participant
“Great team that truely care about empowering participants to manage their money. We recommend SpendAble to any provider looking to increase transparency, accountability and ease of money handling in the NDIS”
John
Service Provider
“My support workers can transact on my behalf without giving out my bank card or cash ever again. My life has completely changed with SpendAble”
Chris
Participant
“Highly recommend SpendAble, their product makes managing money simple - a well thought out product”
Jonathon
Provider
“Amazing team that actually care about the community. Highly recommend SpendAble!”
Luke
Participant
“Working with the team from SpendAble is always a genuine business partnership, focussed on real life solutions towards empowering and supporting some of the most vulnerable members of our communities."
Daniel
Service Provider
“SpendAble has been a life change for our family, our son and his support team. It has helped our son develop essential and necessary money handling skills, while ensuring an invaluable layer of accountability, responsibility and transparency which protects our son and his dedicated support team”
Deb
Parent
“Could not speak more highly of the SpendAble team. Their timely, friendly and approachable manner with either tech support or questions in relation to their SpendAble solutions is top notch. Their passion and knowledge in relation to the products is second to none - You're in safe hands with SpendAble!”
Emma
Provider
“SpendAble has been wonderful in customising a program for the person I referred. The flexibility and time they spent in ensuring their program will work for the person is amazing. A great resource.”
Sue
Support Coordinator
“Amazing team that actually care about the community. Highly recommend SpendAble!”
Luke
Participant
“Working with the team from SpendAble is always a genuine business partnership, focussed on real life solutions towards empowering and supporting some of the most vulnerable members of our communities."
Daniel
Service Provider
“SpendAble has been a life change for our family, our son and his support team. It has helped our son develop essential and necessary money handling skills, while ensuring an invaluable layer of accountability, responsibility and transparency which protects our son and his dedicated support team”
Deb
Parent
“Could not speak more highly of the SpendAble team. Their timely, friendly and approachable manner with either tech support or questions in relation to their SpendAble solutions is top notch. Their passion and knowledge in relation to the products is second to none - You're in safe hands with SpendAble!”
Emma
Provider
“SpendAble has been wonderful in customising a program for the person I referred. The flexibility and time they spent in ensuring their program will work for the person is amazing. A great resource.”
Sue
Support Coordinator
“The team at SpendAble are amazing - focused on the outcomes for the people that matter, and responsive to individual's support requirements. Very easy to work with as well!”
Lachlan
Service Provider
“SpendAble are really changing sector with their targeted, impactful solution to making quality and transparency easy!Cannot think of a better product on the market!”
Jesse
Support Coordinator
“SpendAble are really making a difference in the disability sector and great to work with.Highly recommend the work that they are doing!”
Sebastian
Service Provider
“SpendAble has been a game-changer for NDIS participants! The user-friendly platform simplifies budgeting and tracking and their knowledgeable and caring team provides personalised support, making financial management stress-free! I would highly recommend their services!”
Celine
Behavioural Support Practitioner
“The SpendAble team are doing great work addressing some of the critical financial process gaps that exist in the healthcare space for individuals to have better access to the care they need.”
Steve
Healthcare
“The team at SpendAble are amazing - focused on the outcomes for the people that matter, and responsive to individual's support requirements. Very easy to work with as well!”
Lachlan
Service Provider
“SpendAble are really changing sector with their targeted, impactful solution to making quality and transparency easy!Cannot think of a better product on the market!”
Jesse
Support Coordinator
“SpendAble are really making a difference in the disability sector and great to work with.Highly recommend the work that they are doing!”
Sebastian
Service Provider
“SpendAble has been a game-changer for NDIS participants! The user-friendly platform simplifies budgeting and tracking and their knowledgeable and caring team provides personalised support, making financial management stress-free! I would highly recommend their services!”
Celine
Behavioural Support Practitioner
“The SpendAble team are doing great work addressing some of the critical financial process gaps that exist in the healthcare space for individuals to have better access to the care they need.”
Steve
Healthcare

Want to save time and money with Australia's #1 disability money management app?

Chris Kessaris, SpendAble CFO

Frequently Asked Questions

Who is SpendAble for?

SpendAble is designed for community access providers, support services, and care organisations that enable people with daily activities, recreation, and community participation. Whether you're helping people attend appointments, participate in social activities, or local communities, SpendAble simplifies how funds are managed on their behalf.

We work with a wide range of organisations across Australia, including aged care, community care, child and family services, and guardianship providers, to support safe, accountable money handling.

A right pointing arrow icon

How does SpendAble save our staff time?

SpendAble removes repetitive admin and streamlines everyday financial responsibilities, so your team can spend more time providing community access support.

Staff no longer need to:
— Manually log every transaction
— Store or scan paper receipts
— Count or handle cash
— Reconcile spending by hand

Your admin team gains real-time access to spending data, improving accuracy and freeing up time to focus on meaningful support.

A right pointing arrow icon

How many support workers can access money safely with SpendAble?

You can add as many staff as needed. Whether it’s the care team, program staff, or community team members, you can assign roles and permissions that align with your internal processes. Each staff member sees only what they’re allowed to see, no risk, full transparency.

A right pointing arrow icon

Does every support worker need their own card?

No. SpendAble uses a shared card system that allows cards to be safely checked out and tracked by user.

For example:
— A staff arrives to assist with an outing or community event
— They log into their account, select the relevant client or house
— Take the assigned card, complete the task (like groceries or public transport), and upload the receipt
— Every detail is recorded including who made the purchase, how much was spent, and what it was for

This supports accountability while keeping your process simple and secure.

A right pointing arrow icon

Can we use SpendAble for joint costs and business expenses?

Yes. SpendAble can be used for any spending needs your business has including:
— Managing personal funds of clients
— Managing joint costs of SIL/STA
— Procuring payments for groups and day programs
— Business expense management
— Cash management

A right pointing arrow icon

How does SpendAble protect my data?

All of your data is hosted within Australia at a highly secure data centre in Sydney. We use the highest levels of encryption and data security practices to ensure your data is protected. This includes but is not limited to robust user management, firewalls and malware prevention, logging and regular backups.

A right pointing arrow icon

What does SpendAble cost?

SpendAble's provider platform has 3 different pricing tiers that caters to the different needs of providers.

SpendAble Basic — starts at $0
SpendAble Professional — starts at $189
SpendAble Enterprise — custom pricing

You can view the specific inclusions of each plan to decide which one is right for you on our provider pricing page

A right pointing arrow icon

How does SpendAble solve our compliance challenges?

SpendAble captures the transaction data you need automatically. very action, from receipts and notes to user history, is logged and accessible when you need it.

This makes it easier to align with internal audits, safeguard standards, and governance frameworks, while reducing the admin load.

It also gives you oversight of how daily tasks, transport, and recreation are funded and reported.

A right pointing arrow icon

Can support workers use one log in to access any money we give them access to?

Yes. Each staff member will receive a unique log in which they can use to spend any money you have given them permission to access, within the rules you set.

A right pointing arrow icon

How does participant funds get to a SpendAble account?

To keep client money separate from organisational accounts, funds are deposited directly into the client’s SpendAble account via bank transfer. This could be done by families, legal guardians, or approved third parties.

This approach supports compliance, avoids co-mingling, and protects both the organisation and the individual’s financial independence.

A right pointing arrow icon

How does SpendAble track unauthorised transactions? 

SpendAble flags anything that looks unusual, like large or out-of-area transactions.

Each transaction includes:
— A full digital receipt
— Photos and optional notes
— Clear audit trail showing who made the payment and what it was for

Budget managers can review flagged transactions directly through the system, a built-in dispute resolution process if needed.

This level of oversight helps community access providers maintain safety, confidence, and trust with families and support networks.

A right pointing arrow icon

Can SpendAble be used to support a wide range of daily activities in the community?

Yes. Whether your team is assisting with daily tasks, supporting medical appointments, or helping individuals attend local events, this tool is built for those who need flexibility without compromising on accountability.

It’s ideal for managing spending across a wide range of activities, from gardening, hobbies, and recreational outings to enriching experiences that promote well-being, social inclusion, and a sense of belonging.

Support staff can provide help during community participation, track costs for things like public transport or healthcare-related visits, and ensure purchases remain meaningful and aligned with each individual’s needs.

It’s also a fit for organisations that empower people to engage in leisure, build new skills, and move around their community with confidence.

A right pointing arrow icon